What Is Comprehensive Automobile Insurance?

Dec 29, 2023 By Susan Kelly

what is full coverage car insurance Full or comprehensive auto insurance protects you and your vehicle in various ways. Full coverage may sound reassuring, but it's vital to remember that not every danger is covered and that the extent of protection provided varies by policy and insurer. Liability coverage, which pays for the other party's losses in an accident you cause, is often the bare minimum of what's offered by full-coverage auto insurance policies. Most states mandate some form of liability insurance for businesses, and adequate protection is crucial.

Full coverage auto insurance typically includes liability coverage as well as collision and comprehensive coverage. If you are involved in a collision, regardless of responsibility, collision insurance will help pay for the repairs to your vehicle. Theft, vandalism, and natural disasters are just some things that comprehensive car insurance covers. Other elements, like personal injury protection, uninsured/underinsured motorist coverage, and roadside assistance, may be included in full coverage insurance. Your insurance premiums could go up if you install these features, but they'll give you peace of mind and extra protection. Full coverage auto insurance policies can be confusing, so it's important to read the fine print and learn about the coverages and exclusions before buying. If you consult with a reliable insurance agent, you should be able to find a policy that fits your needs and your budget.

Liability Coverage

Liability insurance is the cornerstone of many comprehensive policies because it is mandated by law in virtually all U.S. states. Suppose the driver is at fault in an accident and is found to have caused physical harm or material damage to another person or their property. In that case, this type of insurance will compensate the driver for their financial losses. There are two main categories of liability insurance:

If the at-fault driver is found responsible for an accident, bodily injury liability coverage will reimburse the victims for medical bills, lost wages, and other damages. When one party suffers bodily harm, the other can seek legal protection in the event of a lawsuit. The property damage liability policy may cover damages to the other driver's vehicle and any other property.

Collision Coverage

Full coverage auto insurance also typically includes collision coverage. If the driver's vehicle is damaged in any way, be it by colliding with another vehicle, an item, or even a pothole, this sort of insurance will pay for the repairs. Con collision insurance will pay for your car's repairs or replacement without regard to guilt.

Comprehensive Coverage

Coverage for theft, fire, vandalism, natural disasters, and falling objects that aren't considered collisions is what does full coverage car insurance cover is for. Collisions with animals are another potential cause of coverage under a comprehensive policy.

Coverage For Uninsured And Underinsured Drivers

(UM/UIM) Uninsured/underinsured motorist coverage protects a driver who is in an accident with someone who does not have enough insurance or no insurance. If you are struck by an uninsured and underinsured driver, your UM/UIM policy will pay all your medical expenses and auto repairs.

Personal Injury Protection

Coverage, known as personal injury protection (PIP), is designed to safeguard the lives of motorists and their passengers. No matter who is at fault, PIP will pay for your medical bills, lost wages, and other losses. Most "no-fault" states mandate that drivers have PIP to cover their medical bills and lost wages in the event of an accident.

Roadside Assistance

In the event of a car breakdown or other roadside emergency, roadside assistance is a perk that may be added to a driver's comprehensive auto insurance policy. Towing, flat-tire fixes, battery jump-starts, and even lockout services may all be covered by this insurance.


Insuring your vehicle and yourself with full auto insurance coverage is a wise decision. While insurance can be reassuring, it's crucial to remember that the specifics of your policy and the insurer's coverage may differ. Full coverage policies typically include liability, collision, as well as comprehensive coverage, with additional policy types (such as PIP, uninsured/underinsured motorist, and roadside assistance) available at additional costs. Get the coverage and levels recommended by your insurance provider to safeguard your possessions and give you peace of mind on the road.

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